Bill Distribution Or Payment Patents (Class 705/40)
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Patent number: 11574306Abstract: A computer-implemented method performed by an issuer computer comprises receiving an authorization request for a transaction between a cardholder and a merchant using a first account identifier. A repository is searched for a preference set with the issuer by a cardholder to use a second account identifier when at least one transaction is received for the first account identifier. The transaction is authorized using the second account identifier in place of the first account identifier without knowledge by the merchant that the second account identifier was used. An authorization response is then returned to the merchant.Type: GrantFiled: December 12, 2019Date of Patent: February 7, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Rohit Sukhija, Ashutosh Singh, Amit Kumar Mishra
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Patent number: 11574493Abstract: Techniques are described for migrating information from a first account to a second account, based on analyzed image(s) of document(s). Image(s) of a document may be generated using an image capture device of a smartphone or other portable computing device. The image(s) may be analyzed, through pattern recognition analysis or barcode scanning, to extract the information from the image(s). The information may then be employed to schedule a transaction, such as payment of a bill described in the information. In some instances, the extracted information may be used as part of an account migration process, in which transactions are migrated from a first account to a second account.Type: GrantFiled: July 13, 2021Date of Patent: February 7, 2023Assignee: United Services Automobile Association (USAA)Inventors: Justin Sachtleben, Cisco Iguaran, Annette Mumme, Jonathan Dennis Velazquez
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Patent number: 11568456Abstract: This disclosure describes a solution to assign values to personal objects. These values can be calculated based on a number of criteria and stored for the objects. Future values can also be projected. Types of value can include monetary, sentimental, and donation value. Personal objects, such as objects within the inventory of a house, apartment, or other dwelling, can be tagged using a radio frequency identification (RFID) tag or other tag that has at least a memory store, an antenna for communication within a near-field range, and optionally, a power supply, such as a battery. Such a tag can be applied to, or otherwise associated with, a personal object, such as a chair, a piece of artwork, or any other tangible object. The memory can be used to contain data associated with the object, which can be accessed via an RFID reader, which can be used to collect objects into an object inventory.Type: GrantFiled: April 17, 2020Date of Patent: January 31, 2023Assignee: AT&T INTELLECTUAL PROPERTY I, L.P.Inventors: Brittaney Zellner, Sameena Khan, Ryan Schaub, Barrett Kreiner, Ari Craine, Robert Koch
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Patent number: 11568406Abstract: In one embodiment, a method includes receiving, at a privacy transaction server, from a user device, a privacy transaction card creation request including merchant metadata for a first merchant server, generating a privacy transaction card associated with an issuer server, storing, in a privacy transaction database, a privacy transaction card record for the privacy transaction card, including tagged card data identifying the first merchant server, transmitting, to the privacy component, the privacy transaction card, receiving, from the issuer server, a transaction approval request associated with the privacy payment card, the transaction approval request including transaction metadata identifying a second merchant server, retrieving the privacy transaction card record, analyzing the transaction metadata and the tagged card data to determine whether there is a match between the first merchant server and the second merchant server, and transmitting a transaction approval response indicating whether the transactType: GrantFiled: March 8, 2022Date of Patent: January 31, 2023Assignee: Lithic, Inc.Inventors: Jason Kruse, Boling Jiang, Andrew Roth
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Patent number: 11568482Abstract: In an illustrative embodiment, an automated system links data files associated with loan submissions that have different identification attributes. The system may include computing systems and devices for receiving requests from a number of remote computing systems to identify loan products associated with a data file. The system can generate a matching input matrix comparing identification attributes from a first data file to identification attributes of candidate data files. The system can apply attribute matching rules to the matching input matrix to identify other data files that correspond to the same loan product as the first data file despite the data files having different identification attributes. The system can link data files corresponding to the same loan product within a data repository with a product linking key and output the linking key or other data for the loan product to a receiving computing system.Type: GrantFiled: July 29, 2020Date of Patent: January 31, 2023Assignee: Federal Home Loan Mortgage Corporation (Freddie Mac)Inventors: Ankit Goel, Annette Best, Domenico Cacciavillani, Deanna Jo Dabney, Deepthi Ganta, Matthew Brian Maycott, Keenan Moukarzel, Samuel Edward Oliver, III, Thomas C. Schweikert, Sukhdeep Kaur Sherry
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Patent number: 11568149Abstract: A computer system includes memory storing computer-executable instructions and a processor configured to execute the computer-executable instructions. The computer-executable instructions include building a questions table including multiple first questions and multiple potential requirements to which the first questions correspond, respectively. The computer-executable instructions include adding, to the questions table, one or more second questions, each of which correspond to at least two requirements from among the potential requirements. The computer-executable instructions include adding, to the questions table, for each second question among the one or more second questions, the at least two requirements to which the second question corresponds. The computer-executable instructions include determining a question, from among the first questions and the second questions, that corresponds to a highest number of potential requirements, and displaying the determined question to a user.Type: GrantFiled: February 18, 2020Date of Patent: January 31, 2023Assignee: TD Ameritrade IP Company, Inc.Inventor: John Scott Kula
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Patent number: 11562427Abstract: The present technology is related to employing a template/macro-based order entry system. An initial order data message contains a macro that establishes the initial parameters for an order and a unique ID is associated with the template. Subsequent, and potentially smaller sized data messages contain the unique ID as well as relevant order details for placing an order. Of course, the technology described herein envisions a much broader concept of reducing message sizes to help improve overall latency and is not limited to order entry.Type: GrantFiled: February 27, 2020Date of Patent: January 24, 2023Assignee: NASDAQ, INC.Inventors: Michael Chapman, Michael Lazarev, John Vaccaro
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Patent number: 11562336Abstract: Systems and methods for providing a payment authorization system include a payment authorization device that receives, through communication over a network with at least one of a user device and a payment provider device, a request to authenticate a merchant virtual storefront. The request may be received in association with a merchant virtual storefront transaction request. The payment authorization device also retrieves identifying information associated with the merchant virtual storefront. Additionally, the payment authorization device may retrieve, from a database located in a non-transitory memory, baseline identifying information for comparison to the retrieved identifying information. The payment authorization device determines an authenticity of the merchant virtual storefront based on the retrieved identifying information and subsequently authorizes the merchant virtual storefront transaction request.Type: GrantFiled: October 30, 2018Date of Patent: January 24, 2023Assignee: PAYPAL, INC.Inventors: Eric Byungho Min, I, Margaret A. Strong
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Patent number: 11562363Abstract: Systems and methods for data visualization are disclosed. An example method includes: obtaining, via a user device, first user biometric data from a user; comparing the first user biometric data with first stored user biometric data. The first stored user biometric data are stored in a hardware secure element of the user device. The method further includes: determining that the first user biometric data matches the first stored user biometric data; and in response to the determining, transmitting a payment token to a merchant device. The payment token is configured to enable a payment to be made from a payment account associated with the user to a merchant associated with the merchant device.Type: GrantFiled: January 27, 2020Date of Patent: January 24, 2023Assignee: PAYPAL, INC.Inventors: Satish Narayan Govindarajan, Gunabalan Babu, Khiem Nguyen Pham, Carlos Manuel Rivas, Guhan Senguttuvan, Anantharaj Uruthiralingam
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Patent number: 11561668Abstract: Systems and methods are disclosed which may provide modules that may be displayed in the context of a website that allow for autoscrolling between the modules upon entering required information in the modules or completing actions required by the modules. The modules may be modules for paying for items via PayPal and may include modules for entering payment information, billing information, a shipping address, creating an account, and accepting terms and conditions. The modules may be displayed within the context of the webpage when selecting a pay with PayPal link without navigating away from the webpage. As a user enters information into a module, the module will automatically scroll to the next module if the module permits automatic scrolling.Type: GrantFiled: February 4, 2020Date of Patent: January 24, 2023Assignee: PAYPAL, INC.Inventors: Stacey Swinehart, Cody Evol, Shilpa Dhar
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Patent number: 11564085Abstract: Aspects of the subject disclosure may include, for example, identifying a first user associated with a first mobile device, and determining a first user type associated with the first user. Further embodiments can include identifying a first identity associated with the first user based on the first user type and identifying a second identity associated with the first user based on the first user type. Additional embodiments can include providing first alternate content to the first mobile device to mask the first identity and providing second alternate content to the first mobile device associated with the second identity. Other embodiments are disclosed.Type: GrantFiled: February 5, 2021Date of Patent: January 24, 2023Assignees: AT&T Intellectual Property I, L.P., AT&T Mobility II LLCInventors: Nicholas Cassioppi, Eric Zavesky, James H. Pratt
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Patent number: 11556534Abstract: Provided are techniques for efficient subquery predicate generation to reduce processing in a multi-table join. It is determined that a query is to be rewritten, wherein the query includes a predicate for a first column of a first table and a second column of a second table. The query is rewritten with generated subquery predicates for the first table that are to be applied to the second table and with generated subquery predicates for the second table that are to be applied to the first table. Minimum and maximum ranges for columns of the generated subquery predicates at a cursor open are determined. The minimum and maximum ranges are merged to determine inclusive ranges that exist in the first table and the second table. The generated subquery predicates are rewritten as derived local subquery predicates with the inclusive ranges. The query with the derived local subquery predicates is executed.Type: GrantFiled: April 30, 2021Date of Patent: January 17, 2023Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Thomas A. Beavin, Andrei F. Lurie, Terence P. Purcell
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Patent number: 11556982Abstract: A central database system allows entities to easily manage human resources functions. An entity requests that the central database system executes an employer function on its behalf, and the central database system determines a probability of the entity defaulting before the entity can finalize the employer function with the central database system. The central database system can train and apply a machine-learned model to dynamically determine the default probability for the entity. Based on the default probability, the central database system determines a risk tolerance associated with the employer function and determines whether to process or challenge the employer function based on the risk tolerance and the default probability.Type: GrantFiled: September 4, 2020Date of Patent: January 17, 2023Assignee: ZENPAYROLL, INC.Inventors: Peter Sugimura, Karlotcha Hoa, Benjamin Paik, Sarah Lippitt, Mariam Issa
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Patent number: 11551464Abstract: Provided is a system and method for matching documents by line item. In one example, the method may include receiving a target document from a target system and a source document from a source system which are linked, identifying a set of lines in the target document and a set of lines in the source document which cannot be matched based on initial conditions, determining, via a machine learning model, a target line from the identified set of lines in the target document matches a source line from the identified set of lines in the source document based on descriptions included in the target line and the source line, and updating the source system to indicate that the target line from the target document and the source line from the source document are a match.Type: GrantFiled: October 21, 2020Date of Patent: January 10, 2023Assignee: SAP SEInventors: Alexander Bolgarin, Oleg Bolgarin, Jan Schrage
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Patent number: 11551196Abstract: Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.Type: GrantFiled: February 28, 2020Date of Patent: January 10, 2023Assignee: Capital One Services, LLCInventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
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Patent number: 11544798Abstract: A unique animated graphical user interface for improving the tracking of documents is described herein. The user interface comprises of symbols that move across a line to represent the status of that document. The line may be separated into quadrants. To facilitate this graphical user interface, a non-transitory machine-readable media is programmed to store invoices in a list in a database and count the number of invoices in each quadrant in the list in the database. The first quadrant may include a representation of the number of new documents that are not yet uploaded. The second quadrant may include a representation of the number of uploaded documents that may not be able to process without further analysis. The third quadrant may include a representation of the number of uploaded documents that have been automatically processed by the software and are ready to submit electronically. The fourth quadrant may include a representation of the number of documents submitted electronically.Type: GrantFiled: August 27, 2021Date of Patent: January 3, 2023Inventors: Michael Marcinelli, Alisha Edwards
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Patent number: 11544694Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.Type: GrantFiled: January 13, 2021Date of Patent: January 3, 2023Assignee: The Toronto-Dominion BankInventors: Dino D'Agostino, Perry Aaron Jones Haldenby, Dean C. N. Tseretopoulos, Jeffrey Aaron Ecker, Adam Douglas McPhee, Milos Dunjic, John Jong-Suk Lee, Arun Victor Jagga
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Patent number: 11544100Abstract: The present invention provides a hardware acceleration method and a communications system. The hardware acceleration method includes: sending, by a network functions virtualization orchestrator (NFVO), first request information to a virtualized infrastructure manager (VIM), wherein the first request information is configured to request the VIM to deploy the to-be-accelerated VNF onto a host in a management domain of the VIM, wherein a hardware resource of the host meets a requirement of the to-be-accelerated VNF, and the requirement of the to-be-accelerated VNF includes information indicating a type of a required hardware acceleration resource and a size of the required hardware acceleration resource in the to-be-accelerated VNF; receiving, by the VIM, the first request information from the NFVO; and deploying, by the VIM, the to-be-accelerated VNF onto the host in the management domain of the VIM.Type: GrantFiled: July 19, 2021Date of Patent: January 3, 2023Assignee: Huawei Technologies Co., Ltd.Inventors: Jun Peng, Zhan Peng, Xu Yang
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Patent number: 11544169Abstract: Apparatuses, methods, and program products are disclosed for determining usage of an information handling device. One apparatus includes at least one processor and a memory that stores code executable by the at least one processor. The code is executable by the processor to monitor, by use of the at least one processor, a plurality of parameters indicative of a usage of an information handling device. The plurality of parameters is for a plurality of components of the information handling device. The code is executable by the processor to store data corresponding to the plurality of parameters. The code is executable by the processor to compute the usage of the information handling device based on the stored data.Type: GrantFiled: January 5, 2021Date of Patent: January 3, 2023Assignee: Lenovo (Singapore) Pte. Ltd.Inventors: Philip Jakes, Jeremy R. Carlson, Daryl C. Cromer, Howard Locker, John Weldon Nicholson, Joseph David Plunkett, Kenneth Seethaler
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Patent number: 11544695Abstract: Transaction identification is described. A payment processing platform can receive (i) transaction data associated with a transaction between a merchant and a customer and (ii) a transaction code from a payment making platform. The payment processing platform can receive an indication of an interaction between a computing device of the customer and the transaction code, wherein the indication is associated with context data associated with the interaction. Based at least partly on comparing the transaction data with the context data, determining that the customer is associated with the transaction and causing an association between the customer and the transaction, wherein the association causes at least a portion of the transaction data to be provided to a mobile payment application, associated with the payment making platform, on the computing device of the customer.Type: GrantFiled: October 26, 2020Date of Patent: January 3, 2023Assignee: Block, Inc.Inventors: Pritesh Bodalia, Deepkarn Bedi, Christopher Sukovich, Jessica Bullitt
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Patent number: 11538015Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.Type: GrantFiled: April 15, 2022Date of Patent: December 27, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
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Patent number: 11539986Abstract: A processing device and method are disclosed to generate automatic content recognition (ACR) fingerprints. A device can include a processing device to execute a capture daemon. The capture daemon may include a capturer to receive media content from a content feed and to generate content frames of the media content. The capture daemon can also include ACR fingerprinter to generate ACR fingerprint information for the content frames. The ACR fingerprinter may communicate the ACR fingerprint information to an ACR server via a first communication channel. The processing device may determine when the ACR fingerprinter fails; cease communicating the ACR fingerprint information to the ACR server; and restart the ACR fingerprinter.Type: GrantFiled: May 26, 2021Date of Patent: December 27, 2022Assignee: ROKU, INC.Inventors: Andrew Ashbacher, Marcus Liassides
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Patent number: 11537803Abstract: A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal. The merchant terminal and the consumer terminal can be mated together in a fixed position to form a single unitary stand, or can be separated from each other in a separated position with each terminal serving as its own separate stand. The merchant terminal supports a merchant computing device and is oriented in a merchant-facing direction. The consumer terminal is detachably mated to the merchant terminal and supports a consumer computing device that is oriented in a consumer-facing direction. The point-of-sale system also includes a card reader as part of the customer terminal to perform a payment. The card reader is configured to accepting swipe cards, chip cards or contactless (EMV or NFC) payments.Type: GrantFiled: July 31, 2018Date of Patent: December 27, 2022Assignee: Block, Inc.Inventors: Yenliang Chen, Isreal Blagdan, Michael C. Lamfalusi, Kartik Lamba, Jeremy Wade
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Patent number: 11528382Abstract: An image processing apparatus includes an acquisition section that acquires a document, a first extraction section that extracts elements that need processing regarding copyrights from elements constituting the acquired document, a second extraction section that extracts use conditions of the extracted elements, a first presenting unit that presents at least part of the extracted use conditions, a receiving section that receives designation of wanted and unwanted elements among the extracted elements, a second presenting section that presents a total fee obtained by adding fees indicated by use conditions of the wanted elements to a fee for outputting the document, and an output section that, in response to payment of the total fee, outputs the edited document. In the edited document, the unwanted elements have been edited to comply with the use conditions.Type: GrantFiled: December 26, 2019Date of Patent: December 13, 2022Assignee: FUJIFILM Business Innovation Corp.Inventor: Shinichiro Yamamoto
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Patent number: 11526486Abstract: Techniques are disclosed relating to determining a predicted time interval for querying a database beginning at a starting point in time to retrieve a specified number of records. A computer system receives a request for records from a database that stores timestamped records, where the request is for a specified number of records beginning at a starting point in time. The computer system then determines a predicted time interval for querying the database beginning at the starting point in time to retrieve the specified number of records, where the predicted time interval may be determined by a machine learning module that is trained using historical database transaction data. Such techniques may advantageously improve the efficiency of individual queries in fetching a desired amount of data from a database for applications.Type: GrantFiled: April 8, 2020Date of Patent: December 13, 2022Assignee: PayPal, Inc.Inventors: Vijayalakshmi Dharmalingam, Rushik Navinbhai Upadhyay, Suraj Belavalgidad, Nikhil Rao, Chaitanya Maddipati, Meng Shi, Venkatesan Thirunaukkarasu
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Patent number: 11526867Abstract: In an example embodiment, a method for push payment decision routing in relation to a transaction is provided. An example method comprises issuing a virtual payment identifier to a mobile device and receiving payment rules from a mobile device. The user-defined rules include parameters for invoking at least one push payment to be made via the virtual payment identifier for the transaction. Instructions to implement or pay for the transaction as a pull payment are received and, based on the rules, the transaction is completed or paid for a push payment.Type: GrantFiled: February 28, 2019Date of Patent: December 13, 2022Assignee: Stripe, Inc.Inventors: Michael David Dahn, Eduardo Serrano
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Patent number: 11528339Abstract: Aspects described herein relate a computer system detecting an unusual activity event from activity data and sending a two-way notification message to a wireless device when a user has opt-in for a mobile application. The two-way push notification message is received at a wireless device and notification information is displayed at the wireless device outside the mobile application. The user selects one of the displayed action buttons to indicate whether the unusual activity event is valid or invalid. When a response to the computer system indicates that the unusual activity is valid, the computer system clears the inquiry and sends a subsequent push notification message to the wireless device informing the user. When the response indicates that the unusual activity is invalid, the computer system and the wireless device may establish an interaction through the mobile application in order to resolve the unusual activity event.Type: GrantFiled: July 16, 2021Date of Patent: December 13, 2022Assignee: Bank of America CorporationInventors: John David Welsh, Elliot Piatetsky, Andrew Scott Humm, Dana Michele Meadows, Amy Heather DeLeon
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Patent number: 11521249Abstract: In an example embodiment, a payment processor automatically generates a virtual account number that can be used by customers to perform push payments, such as ACH, wire transfer, and direct deposits. This virtual account number may be surfaced to customers via invoices sent by service or product providers. The payment processor is then able to automatically match the payment sent to the virtual account number and the amount owed on the invoice.Type: GrantFiled: February 20, 2020Date of Patent: December 6, 2022Assignee: Stripe, Inc.Inventors: Tara Seshan, Clinton Carjoel Blackburn, Victoria Martinez
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Patent number: 11519967Abstract: The present disclosure relates to a battery test system for a vehicle that includes a camera configured to capture an image of a vehicle identification number located on the vehicle, the camera being coupled to a processor which determines characters of the vehicle identification number from the image of the camera and correlates the characters of the vehicle identification number to a vehicle identification number database to receive battery parameters for the vehicle, a battery tester that is removably connected to terminals of a battery of the vehicle and configured to receive battery test results, and a display which conveys information relating to the battery parameters and the battery test results.Type: GrantFiled: October 7, 2020Date of Patent: December 6, 2022Assignee: CPS Technology Holdings LLCInventors: Michael R. Carlo, Dale A. Gospodarek
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Patent number: 11521212Abstract: A gateway is provided for controlling transfer of electronic messages between a financial institution and a transaction processing system comprising a plurality of switches. The gateway includes communication circuitry operable to receive an electronic message issued by the financial institution and processing circuitry operable to determine whether the electronic message includes enough information for a switch of the transaction processing system to process the electronic message. In response to the electronic message including enough information, the communication circuitry is further operable to transmit the electronic message over a data communications network for storage in a message queue unit associated with the transaction processing system for subsequent processing by the switch. In response to the electronic message not including enough information, the communication circuitry is operable to return the electronic message to the financial institution.Type: GrantFiled: March 26, 2021Date of Patent: December 6, 2022Assignee: IPCO 2012 LIMITEDInventors: Steven George Garlick, Neil Antony Masters
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Patent number: 11521184Abstract: An apparatus, method, and computer program product for generating a unified digital check register are provided. An example method includes receiving, by input/output circuitry, check data and determining, by check evaluation circuitry, whether the received check data corresponds to a digital check or a physical check. In response to determining that the received check data corresponds to a digital check, the method includes generating digital check data based on the received check data. In response to determining that the received check data corresponds to a physical check the method includes generating physical check data based on the received check data. The method further includes inserting, by registry management circuitry, any generated digital check data with any generated physical check data into a unified check dataset, and curating, by the registry management circuitry, a unified digital check register using the unified check dataset.Type: GrantFiled: July 14, 2020Date of Patent: December 6, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Raziq Yaqub, Andrew J. Garner, IV
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Patent number: 11521186Abstract: A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.Type: GrantFiled: August 21, 2018Date of Patent: December 6, 2022Assignee: The Toronto-Dominion BankInventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah
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Patent number: 11521264Abstract: Systems as described herein may visualization interest charges based on payment options. Transaction information associated with a plurality of recurring payment accounts may be received. A calendar view displaying an aggregated daily balance and an aggregated interest charge may be generated. Upon receiving a transaction request with a transaction amount, a projected aggregated daily interest charge may be generated in real-time. After detecting that the projected aggregated daily interest charge exceeds a threshold amount, an alert associated with the calendar view may be generated to recommend an alternative payment method to a user device.Type: GrantFiled: May 14, 2020Date of Patent: December 6, 2022Assignee: Capital One Services, LLCInventors: Afna Kanhirothan Poilil, Eric K. Barnum, Seshu Pitcha
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Patent number: 11514491Abstract: According to some embodiments, an invoice data store contains electronic records for invoices associated with customers and an enterprise. An electronic invoicing system computer server may receive invoice data (associated with a customer of the enterprise) from remote invoice platforms, and the server may create invoice documents in first and second formats based on information in the invoice data store. It may be determined that the invoice documents represent “work in process” and, as a result, the system may prevent the invoice documents from being transmitted to a customer device. An adjustment to the invoice document in an intermediate format is received and the invoice document in at least one of the first and second format is automatically updated. When it is later determined that the invoice documents no longer represent “work in process,” the system electronically transmits the invoice documents to the customer device.Type: GrantFiled: May 9, 2022Date of Patent: November 29, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Cynthia D Finley, Linda L. Ternullo, Manuela Panno, Antonio Jorge, Benjamin D. Arunski, Lakshmi Elango, Mary N. Udeh, David S. Fuller, John J Sedor
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Patent number: 11513750Abstract: An example of an apparatus includes a network interface to receive print data from a device, the print data associated with a first subscription service. The apparatus also includes a memory storage unit to store the print data including a database of subscription services, wherein the database of subscription services includes the first subscription service and a second subscription service. In addition, the apparatus includes a subscription manager to manage the database of subscription services. The subscription manager deducts print credit from a first subscription service account based on the print data. The apparatus includes a selection engine to select a printing device for the print data, wherein the printing device is associated with the second subscription service.Type: GrantFiled: April 30, 2018Date of Patent: November 29, 2022Assignee: Hewlett-Packard Development Company, L.P.Inventor: Benjamin Hoopes
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Patent number: 11514528Abstract: A machine learning process for use with a pharmacy benefits management system. The machine learning process identifies a first predicted set of drug benefit claims impacted by a pricing error, reprices a sample of the first predicted set of drug benefit claims to adjust for the error, and trains a predictive model as a function of the repriced sample. Based on the trained model, the machine learning process predicts a second predicted set of drug benefit claims impacted by the error and initiates automatic repricing.Type: GrantFiled: June 20, 2019Date of Patent: November 29, 2022Assignee: Express Scripts Strategic Development, Inc.Inventors: John Ciliberti, Amit Gollapudi, Richard Ball
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Patent number: 11514282Abstract: Systems and methods are described that facilitate parallel processing of PDF documents for printing, wherein the PDF documents comprise transparency effects. Transparent objects in the PDF document are identified, and the document is divided into subgroups of pages. The transparency objects are then flattened to enable conversion to PostScript format. The PostScript pages are processed and rendered to raster for printing.Type: GrantFiled: March 24, 2021Date of Patent: November 29, 2022Assignee: XEROX CORPORATIONInventors: Lee Coy Moore, Edward Chapman
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Patent number: 11508054Abstract: A remotely-controlled (RC) and/or autonomously operated inspection device, such as a ground vehicle or drone, may capture one or more sets of imaging data indicative of at least a portion of an automotive vehicle, such as all or a portion of the undercarriage. The one or more sets of imaging data may be analyzed based upon data indicative of at least one of vehicle damage or a vehicle defect being shown in the one or more sets of imaging data. Based upon the analyzing of the one or more sets of imaging data, damage to the vehicle or a defect of the vehicle may be identified. The identified damage or defect may be compared to a claimed damage or defect to determine whether the claimed damage or defect occurred.Type: GrantFiled: October 14, 2020Date of Patent: November 22, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Ryan Knuffman, Bradley A. Sliz, Lucas Allen
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Patent number: 11501344Abstract: A system and method for deconstructing a document is described herein, where the method is an improvement over existing document deconstruction techniques. These improvements increase speed and accuracy by rapidly identifying the vendor in an invoice by splitting the invoice into three regions and performing a perceptual image hashing on each section. Then a hamming distance is used to compare the hash for each section with the hashes of known invoices to identify the vendor who sent the invoice.Type: GrantFiled: October 14, 2019Date of Patent: November 15, 2022Assignee: Bottomline Technologies LimitedInventors: Mitchell Ransom, Shane O'Hara
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Patent number: 11494745Abstract: The technology described includes a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds). In some embodiments, each click can cause a small, pre-set increment of money to be transferred from a user's checking account to the user's savings account. In other embodiments, the user can hold the button down for a longer period of time, indicating a request for a larger amount of money to be transferred.Type: GrantFiled: September 25, 2020Date of Patent: November 8, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Fernando Sanzzi, Jon Jureczki, Marty Lee Mendivil, Ingeborg Nolf Burch, Vikram Randhir Parekh, Christine Catsifas, Meagan Marie Trahan, Jess W. Gingrich
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Patent number: 11488132Abstract: A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate.Type: GrantFiled: May 25, 2021Date of Patent: November 1, 2022Assignee: Worldpay, LLCInventor: Coy A. Christensen
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Patent number: 11488251Abstract: Various examples described herein are directed to systems and methods for managing multi-party transactions. A payment management system may receive a premium payment message from a user computing device. The premium payment message may describe a premium payment towards a health insurance policy held by a user of the user computing device. The payment management system may initiate a deposit of the premium payment to a premium account associated with the user. The payment management system may also receive a payment instruction from a payer system of a payer associated with the health insurance policy. The payment management system may select a first patient payment source and initiate a transfer of a payment amount to a provider.Type: GrantFiled: March 12, 2019Date of Patent: November 1, 2022Assignee: Wells Fargo Bank, N.A.Inventor: Jason Robert Birgenheier
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Patent number: 11488217Abstract: A method for managing payments made as part of an employee-liable expense reimbursement program is described. A plurality of employees are enrolled in the program and submit requests for reimbursement for expenses related to a service provided to the employees by a service provider for which the employees are liable. The method includes receiving, by the computer system, requests for reimbursement and aggregating the requests for reimbursement scheduled for payment within a predefined time period and associated with the service provider. The method also includes generating an invoice that includes a payment amount to be paid to the employee for subsequent payment to the service provider. The method also includes automatically requesting funds from an employer of the plurality of employees for the payment amount included in the invoice and electronically transferring funds associated with the employer to the service provider or alternatively, to the employee for subsequent payment to the service provider.Type: GrantFiled: October 15, 2020Date of Patent: November 1, 2022Assignee: Cass Information Systems, Inc.Inventors: Carl N. Friedholm, Angela Melissa Taylor
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Patent number: 11488260Abstract: Systems (and associated methods) for reducing a number of asset transfers between holdings institutions in order to balance accounts are disclosed herein. Such systems may include one or more data centers; a hierarchy of processors comprising at least a level one level having a plurality of level one processors and a level two level having one or more level two processors, each level one processor in the hierarchy in communication with a level two processor in the hierarchy; and a plurality of holdings institutions each in communication with a first level one processor of the plurality of level one processors, each of the plurality of holdings institutions having one or more accounts comprising assets. The holdings institutions, the processors, and the data centers may each perform balancing determinations at their level in the system upon receipt of a report of one or more to balancing determinations made by lower level entities in the system.Type: GrantFiled: November 23, 2020Date of Patent: November 1, 2022Assignee: SAYVES LLCInventor: James Biorge
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Patent number: 11487749Abstract: A Blockchain ecosystem for verifying and maintaining integrity of data transactions based on distributed ledger. The system comprises: 1.) a decay control mechanism; 2.) a remote execution mechanism; and 3.) a security cryptographical key management sub-system.Type: GrantFiled: May 30, 2019Date of Patent: November 1, 2022Assignee: Aenco Technologies LimitedInventors: Geoffrey Tipton, Darren Wang Yip Lui, Ian Chung Yuen Huen
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Patent number: 11488122Abstract: A system and method are provided for transferring money from a sender to a receiver. According to the method, non-private identifying information is received. The non-private identifying information is used to determine the identity of the receiver, and an indication is received of an amount of money to be transferred from the sender to the receiver. An account of the sender is debited and an account of the receiver is credited based on the amount of money to be transferred.Type: GrantFiled: June 13, 2016Date of Patent: November 1, 2022Inventors: Antony J. H. Diamond, Eric Alan Wilson
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Patent number: 11488171Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a risk management method are provided. One of the methods includes: determining a candidate verification mode set comprising one or more candidate verification modes for a target event; determining output weights for at least some of the verification modes in the candidate verification mode set; and selecting a verification mode for risk management of the target event from the candidate verification mode set based on the output weights. In this method, multiple factors, such as risk type, device type, user preference, are taken into consideration in an quantification process when selecting a verification mode. Thus this method avoids excessive reliance on subject understanding of a transaction, improves the robustness of risk management against unauthorized transactions, and reduces unnecessary interference to authorized transactions.Type: GrantFiled: August 8, 2019Date of Patent: November 1, 2022Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.Inventors: Tianyi Zhang, Man Long
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Patent number: 11481782Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to receive data relating to a transaction made by the user, compare the received data to a set of data associated with the user, determine whether the data relating to the transaction deviates from a set of data associated with the user by more than a threshold value, and send an alert message to a user device associated with the user when the processor determines that the data relating to the transaction deviates from the set of data associated with the user by more than the threshold value.Type: GrantFiled: July 20, 2020Date of Patent: October 25, 2022Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Robert Rowley, Philip Kim, Joseph Whitchurch
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Patent number: 11481838Abstract: In an example, a computer-implemented method includes determining a set of permissions that specifies types of account data of one or more financial accounts to share with a third-party, the one or more financial accounts being associated with a user and held by a financial institution, and generating authorization data that authenticates the third-party and authorizes the third-party to access the types of account data specified by the set of permissions. The method also includes transmitting the authorization data to the third-party, receiving a request for authorization that includes the authorization data and a request for account data of the one or more financial accounts that conforms to the types of account data specified by the set of permissions, authorizing the third-party based on the authorization data, and transmitting the account data that conforms to the types of account data specified by the set of permissions.Type: GrantFiled: June 18, 2020Date of Patent: October 25, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Traci Nguyen, Lila Fakhraie, Anthony Burton, Alyce F. Thornton, Ravi Thota, Meghan E. Butler
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Patent number: 11481822Abstract: An improved invoice management product may include an invoice hub server and an invoice database, and may receive data including one or more invoices, transmit one or more invoice records to an invoice database, identify one or more invoice records for expedited processing, transmit a request to issue an advance payment to a supplier associated with one or more supplier identifiers associated with the one or more invoice records, and transmit a notice to a customer. An Invoice Hub server may receive data comprising one or more invoices, create one or more invoice records based on the one or more invoices, transmit the one or more invoice records to an invoice database, identify one or more invoice records for expedited processing, transmit a request to issue an advance payment to a supplier, and transmit a notice to a customer associated with the one or more invoice records.Type: GrantFiled: August 21, 2019Date of Patent: October 25, 2022Assignee: Capital One Services, LLCInventors: Eric Lowell, Brandon Walsh, Meredith Van Voorhis, Paola Thurlow, Sehyoung Myung, Qiang Xue, Heather Aller, Kristofer Johnson, Michael Baird Beers, Chad Fisher, Mark Lareau, Karthik Kaimal, Victor Mayaki